Personal Financial Management, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
The firm provides portfolio management and consulting primarily to individual clients, trusts and estates, overseeing roughly $31 million across about 108 client accounts. It offers both discretionary and non-discretionary investment management and periodic, project-based consulting, focusing on instruments such as equities, mutual funds, ETFs, publicly traded REITs and MLPs.
Investment programs are individualized through client discussions to establish objectives, time horizon, risk tolerance and liquidity needs, and the firm employs fundamental, mutual fund/ETF and technical analysis to construct portfolios that are generally long-term but may include shorter-term trades. Accounts are monitored on an ongoing basis with at least biannual reviews, and the firm uses independent custodians and an institutional custodial platform for trade execution and custody.
What is distinctive is that the firm’s principal also operates a private accounting and tax practice and may devote up to half of their professional time to that non-advisory activity; the firm may recommend those accounting services to advisory clients but clients are not required to use them. The brochure discloses this affiliation and related potential conflicts of interest (including steps such as disclosure and a policy against referral fees), and it also discloses participation in an institutional custody program that provides services and benefits to the firm.
Client services
Expertise
Fee options
$0 - $10,000: 2.00% $10,001 - $14,250: $185 annually $14,251 - $17,500: $280 annually $17,501 - $20,000: $350 annually $20,001 - $22,500: $390 annually $22,501 - $25,000: $425 annually $25,501 - $30,000: $465 annually $30,001 - $35,000: $525 annually $35,001 - $40,000: $600 annually $40,001 - $45,000: $675 annually $45,001 - $50,000: $725 annually $50,001 - $75,000: 1.50% $75,001 - $200,000: 1.25% $200,001 - $500,000: 1.00% $500,001+: 0.80%
$175 per hour
Fee-only: Hourly rate of $175 per hour for consulting services
Main office
Orland Park IL
Advisors at this office
1
Most active in
Illinois · Indiana · Texas
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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